HouseMate: A proposed national institution to build new homes and sell them cheap to any citizen who does not own a home

2022 ◽  
Author(s):  
Cameron Murray
Keyword(s):  
Low Income ◽  
Low Cost ◽  
Housing System ◽  
Public Intervention ◽  
Social Challenges ◽  
Social Challenge ◽  
The Social ◽  
Rental Markets ◽  
Policy Priority ◽  
Low Income Households

• In a world of unequal wealth and incomes, market provision of housing usually fails to provide quality housing options to young and low-income households. Like other necessary goods characterised by monopoly, like healthcare and pharmaceuticals, access to them via pricing creates inherent social challenges.• Historically, the social challenge of unequal access to housing was solved with public intervention to offer non-market housing at lower regulated price to first time buyers and renters.• The proposed HouseMate program is a 21st century housing supplier, copying the best features of Singapore’s successful housing system. • It will sell new homes to eligible Australian citizens at construction cost price, offering them a discounted mortgage, with purchasers able to pay deposit and repayments using their compulsory super contributions. • This new housing alternative will operate in parallel with the private purchase and rental markets. HouseMate owners will have all the rights and obligations of private homeowners, but with a mandatory occupancy period. • The design of HouseMate addresses all the key housing policy challenges in Australia, includingohigh deposit hurdles for first homebuyers,ouncertainty and high rents for low-income households,oyounger households tying up income in super when homeownership is a higher priority for retirement, oprice effects and inefficiencies of demand-only subsidy programs to homebuyers (like FHB grants) and renters (NRAS payments), and olimited innovation of design and construction in private housing markets.• If secure, low-cost housing via homeownership is a policy priority, there is no reason not to try the HouseMate program.

Direct Subsidies and Housing Affordability in Australian Private Rental Markets

10.1068/c0445 ◽  
2005 ◽  
Vol 23 (5) ◽  
pp. 759-783 ◽  
Author(s):  
Gavin A Wood ◽  
Matthew Forbes ◽  
Kenneth Gibb
Keyword(s):  
Low Income ◽  
Policy Design ◽  
Housing Affordability ◽  
Housing Cost ◽  
Microsimulation Model ◽  
Change Of Direction ◽  
Housing Subsidies ◽  
The Social ◽  
Maintenance Systems ◽  
Rental Markets

Many countries have undergone a broad retreat from the use of indirect (supply) subsidies to meet low-income housing-affordability problems, shifting to direct subsidies often linked to means-tested income-maintenance systems. Although the reasons for this change of direction are well documented, the efficacy of direct housing subsidies in terms of tackling affordability remains in question. The authors examine in detail one such system, Australia's Rent Assistance (RA) programme, making use of a microsimulation model of the Australian housing market linked to a model of the social security system. It is found that there is considerable targeting error because many low-income renters are ineligible for direct subsidies. It is also found that RA is relatively ineffective in overcoming affordability problems in high housing cost areas of Australia. Although RA does not of itself contribute much to poverty-trap problems, it may deter unemployed households from moving to areas where job vacancies exist. The authors conclude that future comparative work could usefully analyse the distributional and behavioural impacts of different forms of housing allowances. Moreover, alternative policies could be recalibrated within the microsimulation model in order to examine the first-round impacts of policy design change.

Prefab Materials for Self Build Housing System in Malaysia

2015 ◽  
Vol 747 ◽  
pp. 250-253
Author(s):  
Wan Srihani Wan Mohamed ◽  
Yahaya Ahmad ◽  
Nik Fazlysham Nik Mat ◽  
Aznida Azlan
Keyword(s):  
Low Income ◽  
Low Cost ◽  
Cost Effective ◽  
Income Group ◽  
Housing System ◽  
Housing Provision ◽  
Skill Levels ◽  
Self Help ◽  
House Construction ◽  
Low Cost Housing

Prefabricated system has been used extensively in many developed and developing countries to provide low cost housing. There are many case studies that took the advantage of prefabricated system as part of self help approach in house construction. Prefabricated system in self help housing proved to be cost effective, provide employment opportunities, utilise low skill levels and maximise local natural resources. Malaysia is also promoting prefabricated system to be used in low cost housing provision. There are obstacles to implement such technology into the conventional construction industry. This paper investigates the possibility of adapting local resources, such as timber, into prefabricated components as a mean to promote not only modular coordination concept but also promote self build approach in the community at a lower skill labour. It is not an immediate solution to housing issues yet it provides alternatives to house the low income group and contribute to increase the supply of housing.

scholarly journals High rises and low-quality shelter: rental housing dynamics in Mathare Valley, Nairobi

2020 ◽  
Vol 32 (2) ◽  
pp. 481-502
Author(s):  
Baraka Mwau ◽  
Alice Sverdlik
Keyword(s):  
Low Income ◽  
Low Cost ◽  
Informal Settlement ◽  
Rental Housing ◽  
Housing Markets ◽  
Single Room ◽  
Rental Markets ◽  
Central Pillar ◽  
Shelter Delivery

Informal rental housing remains a hidden – yet central – pillar of low-cost shelter markets across the global South. The large informal settlement of Mathare Valley illustrates Nairobi’s rapidly changing informal rental housing markets, with the ongoing rise of tenements alongside metal shacks. Informal single-room rental units (shacks and tenements) already house most Nairobi residents in low-quality but highly profitable shelter. This case study describes how multiple exclusions can shape access to rental housing and examines the politics of shelter delivery. We underscore the importance of private rental markets and offer recommendations for inclusive, multi-pronged interventions combining support for rental housing, land governance and infrastructure delivery. Through a better understanding of the myriad actors and dynamics of informal rental housing, it may be possible to develop strategies that serve low-income tenants for whom renting is often the only viable option.

Housing Choice as a Function of Risks Confronting Low-income Households

2019 ◽  
Vol 19 (1) ◽  
pp. 100-118
Author(s):  
Anand Sahasranaman ◽  
Vishnu Prasad ◽  
Aditi Balachander
Keyword(s):  
Affordable Housing ◽  
Low Income ◽  
Rental Housing ◽  
Urban Residents ◽  
Jel Codes ◽  
Rental Markets ◽  
Health And Mortality ◽  
Over Time ◽  
Low Income Households

The design of housing solutions for low-income populations has been one of the most pressing policy concerns in developing countries like India. In this work, we explore the effect of risks confronting low-income households—unemployment, health and mortality—on their choice of housing arrangements. We use simulations to study the evolution of long-term wealth of a stylised low-income household faced with these risks and find that, on average, rental housing significantly reduces the risk of undesirable wealth fluctuations over time. From a policy perspective, this means greater focus and incentives for the development of low-income rental markets using strategies such as provision of rental vouchers, rent-to-own models or long-term leases, in addition to the traditional ownership-based housing strategies. The development of housing solutions encompassing a range of rental and ownership models will be critical to ensuring the availability of safe and affordable housing for all urban residents. JEL Codes: C63, O18

scholarly journals Implementation of the Policy on the Construction of Cheap Houses for Low-Income Communities in Palembang City, South Sumatera Province

2021 ◽  
Vol 3 (2) ◽  
pp. 56-68
Author(s):  
Hamdi Darmawan ◽  
Ermaya Suradinata ◽  
Rossy Lambelanova ◽  
Sampara Lukman
Keyword(s):  
Low Income ◽  
Social Life ◽  
Government Regulation ◽  
Conflicts Of Interest ◽  
Low Cost ◽  
Regulatory Reform ◽  
The People ◽  
The Social ◽  
Low Cost Housing ◽  
The City

As one of the oldest cities in Indonesia, Palembang City is included in the ranks of the most populated cities in Indonesia. It should pay attention to the social life of its people, especially in terms of place of residence and residence. Since the issuance of Law Number 1 of 2011 and Government Regulation Number 64 of 2016 concerning low-cost housing, it has not been running optimally. Therefore, researchers are interested in researching implementing low-cost housing policies in the city of Palembang. This research uses qualitative methods with observation techniques, in-depth interviews with informants supported by various related documents. This study uses the concept of wisdom, the process of implementing wisdom, the factors that influence the implementation of wisdom. The results of this study indicate that the performance of low-cost housing for the people in Palembang City has not been optimal due to various dominant factors, namely communication and conflicts of interest between agencies so that it requires a strategy by carrying out different incremental policies such as regulatory reform, increasing resources, forming public opinion, and cooperation. With private parties.

scholarly journals The Standards of Living of Pensioners in the Murmansk Region

2020 ◽  
pp. 58-63
Author(s):  
Elena Anatolyevna Korchak ◽  
Tatyana Petrovna Skufyina
Keyword(s):  
Pension Reform ◽  
Well Being ◽  
Living Standards ◽  
Standard Of Living ◽  
Social Phenomena ◽  
Social Challenges ◽  
Standards Of Living ◽  
Social Challenge ◽  
The Social ◽  
Murmansk Region

Nowadays research on the development of concep-tual provisions governing the standard of living of pensioners is of particular importance. This actual-ization is due to an increase in the retirement age of the population, an increase in life expectancy, as well as a low level of material well-being of elderly citizens. The analysis of social challenges of the modern pension reform was the goal of this study, while the standard of living of pensioners in the Murmansk region is the subject of the study. A sta-tistical analysis of social phenomena and processes in the Murmansk region (demographic characteris-tics of the population, the situation in the sphere of employment and living standards of the population) was used as a methodological basis for the study. The main tendencies and trends in the field of de-mographic development, employment development, living standards and pensions in the Murmansk re-gion were identified in the course of the study. The conclusion of the study was the thesis that under the conditions of the new pension reform, a social challenge is the low standard of living of pension-ers, whose growth in the future will cause an expan-sion of the social localization of poverty.

scholarly journals MASALAH KESEJAHTERAAN SOSIAL MIGRAN

Sosio Informa ◽  
2007 ◽  
Vol 8 (2) ◽  
Author(s):  
Nina Karinina
Keyword(s):  
Social Welfare ◽  
Social Services ◽  
Low Income ◽  
Low Cost ◽  
Safety Net ◽  
Social Safety Net ◽  
The Social ◽  
Rice Price ◽  
Children Education

This paper concerned with the condition of the social welfare problems of the low incomemigrants living in Prawirodirjan Yogyakarta. The case study of that migrants showed that theirmain social welfare problems related to low income for supporting their family , such as children education fee, and inappropriate house to stay. Although they tried to cope with those problems, but most of them had no successful yet. Social services both from local and national government had not been specially programmed for them. Nevertheless, some of them gained several services which were integrated in public social welfare programmes through "social safety net programmes" in the form of health services, school fee , low cost rice price, etc.Key Words: empowering, social welfare, migrant.

Broadband adoption in urban and suburban California: information-based outreach programs ineffective at closing the digital divide

2020 ◽  
Vol 18 (3) ◽  
pp. 431-459
Author(s):  
Lloyd Levine
Keyword(s):  
Digital Divide ◽  
Low Income ◽  
Program Effectiveness ◽  
Low Cost ◽  
Vast Number ◽  
Content Type ◽  
The Past ◽  
The Usa ◽  
Using Data ◽  
Low Income Households

Purpose The digital divide has persisted in California and the USA as a whole at approximately the same level for the past decade. This is despite multiple programs being created and billions of dollars being spent to close it. This paper examines why the efforts to date have been ineffective and to offers policy alternatives that might be more successful. Design/methodology/approach Using data from three, variable constrained projects in California, this paper examines the effectiveness of information-based outreach efforts at closing the digital divide. The projects tested various outreach and enrollment methods to see which, if any, could increase broadband adoption in low-income households. Findings This project found that providing low-income households’ information about low-cost broadband offerings was ineffective at closing the digital divide. The findings in this paper were similar to those of two other works that examined the federal Broadband Technology Opportunities Program (BTOP) grants under the American Recovery and Reinvestment Act. Practical implications The findings of this paper along with the works cited that evaluated the BTOP program should be enough to change public policy. For the past ten years, efforts to close the digital divide have focused on providing information to low-income households. However, two independent surveys show broadband adoption has remained virtually flat during that period. Social implications The digital divide brings concomitant economic and education harms and challenges that plague those unable to access information, services, educational and employment opportunities with the same ease, speed and sufficiency as their connected peers and neighbors. Those harms exacerbate the already existing education and income divides. This paper shows that without a change in strategy, those harms will persist. Originality/value This paper breaks new ground and addresses one of the weaknesses identified in existing research. To the best of author’s knowledge, this is the first paper of its type to use programs designed to generate data that can be empirically evaluated for effectiveness. Prior studies attempted to assess program effectiveness by using data generated from fully implemented government programs. However, those programs contained a vast number of unidentified variables and insufficient data collection. They were not designed to facilitate academic evaluation, and as such made a true effectiveness evaluation challenging.

scholarly journals Pro Bono Work vs. Legal Aid: Approaches to Ensuring Access to Justice and the Social Responsibility of the Attorney

2012 ◽  
Vol 5 (2) ◽  
pp. 43-64 ◽  
Author(s):  
Edita Gruodytė ◽  
Stefan Kirchner
Keyword(s):  
Social Responsibility ◽  
Low Income ◽  
Low Cost ◽  
Access To Justice ◽  
Legal Services ◽  
Legal Assistance ◽  
Legal Aid ◽  
The Social ◽  
Principles Of Justice ◽  
The Right

ABSTRACT In many jurisdictions middle- and low-income individuals obtain only a relatively modest share of lawyers’ services. In a society ruled by law, every person should be able to expect key principles of justice to apply. Among the most important dimensions of a right to a fair trial is the right to equal access to an attorney. After all, the attorney is not merely a commercial actor but also represents the legal system. Access to an attorney is a key step in providing justice in practice. Many states have developed programs of legal aid which aim at providing those who are in need of legal assistance but cannot afford to pay for legal services with a way to receive legal services. Scientific literature distinguishes various forms and instruments of legal aid: the court appointment of lawyers, free or low cost legal aid provided by public agencies and charitable and fraternal organizations, sometimes mixed with legal expenses insurance, contingency fee and the free services of lawyers who are serving probono publico. From the perspective of practicing attorneys, this article presents and compares existing systems of legal assistance in Lithuania and Germany, and their availability and effectiveness, in order to answer the question whether the social responsibility of attorneys and access to justice is obtained.

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